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Get a quote
Or apply over the phone on 1300 467 872
10%
off*
<br />
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Save 10% when you buy online

For those who really care about their car, Gold Comprehensive Car Insurance offers our highest level of cover. Packed with great benefits and exceptional extras like 2 years' new car replacement, this flexible policy gives you gold-class protection for your precious wheels.


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in brief

With either of our comprehensive car insurance policies you'll be fully covered for the damage to your car and any others if you have an accident where you are at fault. You can tailor your cover to suit your needs by choosing whether to insure a fixed amount or the market value of your car at the time you take out your policy.

When you take out a new Gold Comprehensive Car Insurance policy you'll get an exclusive 12 month membership to our incredible rewards program, worth over $1,000. 1300 Insurance Rewards membership gives you huge discounts of up to 40% on hundreds of products and services, including gift cards for stores like Myers and Coles and tickets for movies, events and attractions.

Add a new home & contents policy to your car insurance and save up to 25% on the cost of your home and contents premiums.

If you buy your car brand new and it has to be written off within either 24 months or 40,000kms (whichever comes first), we'll completely replace it! We'll give you a new one of the same make, model and specification, as long as it's available locally. What's more, we'll even pay the first 12 months rego and CTP.

Gold Comprehensive gives you outstanding protection for your car - and everything in it. You'll receive all the benefits of our Full Comprehensive policy, plus a $5000 death benefit and $2500 of other incredible extras like replacement of lost keys or remotes. See the PDS for terms and conditions

Our comprehensive car insurance is the quick, affordable way to protect yourself against the costs and inconvenience of damage to your car. With competitive premiums, instant quotes and the choice of annual or monthly premiums, it couldn't be simpler to get the insurance cover you need. You'll even save 10% on your Gold Comprehensive car insurance premiums if you buy online.

All our car insurance policies come with a 21 day cooling off period. So if you change your mind within 3 weeks you can simply cancel your policy and get a full refund (as long as you haven't made a claim).


For most of us, our car is our lifeline. It's also one of our most costly possessions, and not one we could easily afford to replace.  Great cover at an affordable price, Gold Comprehensive is the smart choice if you rely on your car and need heavy-duty insurance that takes care of things. And you'll even save 10% on your Gold Comprehensive car insurance premiums if you buy online*.

Policy Benefits

As our highest level of car insurance cover, Gold Comprehensive offers all the benefits of Standard Comprehensive, with a suite of exceptional extras to give you total peace of mind.

If you have an accident where you are deemed to be at fault you'll be covered for the cost of repairs to your own car and any others damaged in the accident. If your car is brand new, our new car replacement benefit means you'll get another one just like it if yours is written off within 2 years, or 40,000kms—whichever comes earlier.

Gold Comprehensive gives you extra protection such as:

  • $1,000 cover for replacement keys/remote
  • $500 personal effects cover in the event of a collision, forced entry or theft
  • $500 cover for damage to or theft of child restraints in your car
  • $500 towards debris removal in the event of a collision

It also includes a built-in death benefit of $5,000. This is a lump sum payment made to your loved ones if you were killed in a car accident, protecting them against the financial strain of a funeral.

You can tailor your car insurance to suit your needs and budget. Boost your cover with additional benefits like a free hire car, no-claims discount protection and roadside assistance, or reduce the cost by increasing your excess. You can also choose whether to insure your car at an agreed value or the market value at the time you make a claim.

You'll even save 10% on your Gold Comprehensive car insurance premiums if you buy online*.

How to buy

Buying our car insurance is quick and simple. Either call us on 1300 Insurance (1300 467 872) or get an instant online quote. Your insurance can start from the momentwe accept your application.

Get a quote Phone us on 1300 467 872

* About the 10% online discount

Discounts apply to the premium paid for a new 1300 Insurance policy initiated online on or after 30 March 2017. The discount applies to Gold Comprehensive, Third Party Property and Third Party Fire & Theft Car Insurance. We reserve the right to change the offer without notice. Base rate premiums subject to change. The discount does not apply to any renewal offer of insurance.

The discount offer applies only to the premium for an insurance product. It does not apply to the fees that we may charge you (these are described in our Financial Services Guide). You will be responsible for all applicable GST and other statutory charges.

Important Policy Information

Insurance policies do not cover every eventuality. Before you purchase any insurance it's important to ensure you understand what is and isn't covered. You should carefully read the Product Disclosure Statement and be aware of what is excluded from cover and the conditions you will need to observe.

Download Policy Documents

Policy Exclusions

Some exclusions apply to this policy. Check the Product Disclosure Statement for full details before you buy your policy.


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You have three easy ways to apply for car insurance through 1300 Insurance. If you meet the eligibility criteria, you could buy your car insurance in the following ways:

  1. Get a quick quote and then buy securely online, 24 hours a day, 7 days a week
  2. Complete an online quote then simply call one of the helpful consultants on 1300 467 872 to complete the purchase of your policy. Make sure you have your online quote reference number when you call.
  3. Call a helpful consultant on 1300 467 872 to get a quote and purchase your insurance over the phone.

The call centre is open Monday to Friday between 8.00am and 9.00pm (EST) and Saturday 8.00am to 5.00pm (EST).

If you need to make a car insurance claim, simply call 1300 467 872 and a friendly, professional claims consultant will help you with the claims process. Alternatively, you can submit an online claim form – find out more here.

Your insurer will aim to have all claims processed promptly and to make the process as easy as possible.

There are several ways that could reduce the cost of your comprehensive car insurance. These include restricting cover to drivers aged 25 years or over or increasing your excess2.

If you wish, you can spread the cost of your insurance by paying in convenient monthly instalments at no extra cost1. You can also save up to 10% on your comprehensive car insurance just by buying online2,3.

If you meet the eligibility criteria, you may be able to get insurance with one easy online session or phone call. Make sure you have details of your car and driving record on hand.

You can choose whether your insurance will start on the day you take out your policy, or within 30 days.

For your convenience and security, you can pay for your insurance securely online in two different ways. You can pay with a Visa or MasterCard, or alternatively you can choose to pay by direct transfer from your bank, credit union or building society account.

There are many benefits to applying for insurance online:

  1. You can apply for cover whenever it suits you - 24 hours a day, 7 days a week
  2. Lodging your claim online is generally faster than over the phone
  3. You can save up to 10% if you buy comprehensive car insurance online2,3

Just like buying your insurance over the phone, if you buy your car insurance online, your cover will begin on the start date you request. That date can be the same day, or within 30 days.

If you purchase your comprehensive car insurance through 1300 Insurance, you can tailor cover to suit your needs and budget.

If you want to reduce your premium, you can restrict your cover to only drivers aged 25 years of age or over2. This will limit the cover available under the policy and will lower the premium. You can also choose to increase the basic excess you’ll pay if you need to make a claim2.

You can also add optional benefits such as:

  1. Removal of basic excess for windscreen claims
  2. Protected No Claim Bonus
  3. Rental car following an accident (where available), up to $100 per day for up to 30 days, so you won’t be stuck without wheels

No two car insurance policies are the same so you need to compare the benefits carefully before you buy. Make sure you read the Product Disclosure Statement for each policy so you understand the standard terms, conditions, limits and exclusions of the product.

Here are some of the great benefits of comprehensive car insurance available through 1300 Insurance:

  1. Guarantee on repairs for as long as you own the vehicle
  2. Flexibility to choose your repairer
  3. Option to protect your maximum No Claim Bonus

Car insurance premiums are calculated based on the level of 'risk' the insurance underwriters associate with you and your car. Simple things that differentiate you from someone else contribute to that assessment of 'risk'.

Key factors include:

  • The make and model of the car
  • The ages of everyone who drives the car
  • Where the car is kept. Not all insurers treat each suburb the same, and parking in a garage rather than on the street can make a difference.
  • Your driving history and the frequency of any claims you have made.

Market value is the cost to replace your vehicle with one of the same make, model, age and condition as your vehicle immediately prior to the loss or damage. It does not include any allowance for vehicle registration, CTP insurance, dealer warranty costs, stamp duty transfer, transfer costs or dealer delivery.

To get an idea of what your car may be worth you can search for the make and model on the Redbook website at www.redbook.com.au.

Agreed value is the amount the insurer agrees to insure your vehicle for, as shown on your policy schedule. Since the market value of your car will change over time, the agreed value could be higher or lower than the market value at the time you make a claim.

Please refer to the Product Disclosure Statement for further information.

Comprehensive car insurance offers the highest level of cover. It provides cover for accidental loss of or damage to your car, as well as cover for your legal liability for loss or damage to other people's property caused by a car accident which is partly or fully your fault.

Third party property damage is the most basic level of cover we offer. It provides cover for your legal liability for loss or damage to other people's cars or property caused by a car accident which is partly or fully your fault. It also provides a limited amount of cover for your car if it is damaged in an accident with an uninsured vehicle, where you are not at fault.

With third party fire and theft cover you receive third party property damage cover, plus additional cover for your own car for up to $5,000 if it is stolen or damaged by fire.

For the standard terms, conditions, limits and exclusions of cover, please refer to the Motor Insurance Product Disclosure Statement.

‘Personal effects’ are personal items which are designed to be worn or carried, but do not include items such as money, credit cards or personal music devices. With comprehensive car insurance you will receive up to $1000 cover for accidental damage to or theft of your personal effects resulting from a covered accident and up to $500 cover for your child seat or baby capsule following a covered accident.

Please refer to the Motor Insurance Product Disclosure Statement for the standard terms, conditions, limits and exclusions of cover.

Any excess which you have to pay on a claim will be set out in your policy documents. Payment of an excess helps to reduce the number of small claims, so it’s one of the ways in which your insurer keeps the cost of your premium down. You may also be able to lower the cost of your comprehensive car insurance by choosing a higher basic excess2.

The excess for each claim is determined by adding your basic excess and any other excess amounts applicable, depending on the type of cover you have taken out and the nature of the claim you are making.

You won’t have to pay any excess if you are not at-fault in an accident with another vehicle, where you can provide your insurer with the name and contact details of the other driver, and the claimable loss is recoverable by your insurer.

A No Claim Bonus/Rating level rewards you with a discount on your comprehensive car insurance premium for claims not having been made under the policy.

Your NCB /Rating level is calculated based on the years of driving experience you and any other covered drivers have and the claims history of you and any other covered drivers. Each claim free year of driving entitles you to an increased NCB /Rating level up to a maximum amount.

This is because your insurer believes you are less likely to make a claim than a less experienced driver. If you have more than one driver named on your policy, you will receive the discount for the driver entitled to the lowest No Claims Bonus / Rating level.

You can protect your maximum No Claim Bonus/ Rating level by selecting the optional benefit of Protected No Claim Bonus. If you choose this option, your NCB entitlement will not be reduced for the first claim you make which is your fault or where the responsible party cannot be identified, within any one period of insurance.

If you do not select (or if you are not eligible for) the optional benefit of Protected No Claim Bonus and you have a claim which is your fault or the responsible party cannot be identified, you may lose up to 2 Rating levels for each claim, reducing your NCB entitlement the next time you renew your policy.

You will not lose any of your NCB following a windscreen or window glass damage only claim, or if the other vehicle in a collision is entirely at fault and you provide your insurer with the name and contact details of the responsible party.

Before you buy insurance, you have a legal duty of disclosure to tell your insurer anything you know and that a reasonable person in the circumstances would include in their answer to any questions asked that are relevant to the insurer’s decision to insure you and on what terms. The duty applies until your insurer agrees to insure you. If you don’t comply, your insurer may cancel your contract, reduce the amount it pays for a claim, or both. If your failure is fraudulent, your insurer can refuse a claim and treat the contract as if it never existed.

If you are having trouble applying for cover online please call 1300 467 872 with your quote reference number and a friendly consultant will try to assist you.

The call centre is open Monday to Friday between 8.00am and 9.00pm (EST) and Saturday 8.00am to 5.00pm (EST).

The car insurance we offer is underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL No 234708 (Allianz).

Allianz is an Australian Insurer authorised to conduct insurance business in Australia by the Australian Prudential Regulatory Authority (APRA).

Allianz is a member of the Insurance Council of Australia and subscribes to the General Insurance Code of Practice.

1 Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

2 Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to the premium for optional covers.

3 The online discount applies to new comprehensive Motor Insurance policies only purchased through 1300 Insurance. Any online discounts offered are applied to our standard rates, but excluding all other optional covers. The online discount only applies to the first year’s premium (unless stated otherwise). Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods.

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